How to Get Cheaper Occoquan Car Insurance

Consumers not familiar with shopping for insurance online may find purchasing low-cost Occoquan car insurance very challenging.

Policy discounts you shouldn't miss

Car insurance companies do not list all available discounts in an easy-to-find place, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy could earn a price break for each car.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Memberships - Belonging to certain professional organizations may earn a discount when buying car insurance.
Safety Course Discount - Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.

Keep in mind that some credits don't apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way.

To see a list of insurers with discount car insurance rates in Occoquan, click here.

Finding Car Insurance Deals in Occoquan, VA

The are a couple different ways to compare quotes from different Occoquan insurance companies. The best method to find the lowest rates is to get quotes online. This can be done in a couple of different ways.

The best way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This type of form eliminates the need for separate quote forms for each company you want a rate for. A single form gets you price quotes from many national carriers. It's the fastest way to compare.
Another way to shop for car insurance online requires a trip to each individual company website and request a quote. For examples sake, let's say you want to compare , and . To get each rate you have to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

For a list of links to companies insuring cars in Occoquan, click here.
The most time-consuming method of getting rate comparisons is driving around to different Occoquan agent offices. Buying insurance online has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. It is possible to obtain prices from the web but buy from a local insurance agent and we'll talk about that later.

Whichever method you choose, make absolute certain that you use the exact same quote information with every price quote. If the quotes have mixed coverages it will be impossible to find the best deal in Occoquan. Slightly different limits may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes will increase your chances of finding a better price.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that play a part in calculating your car insurance rates. Understanding what influences your rates enables informed choices that could result in much lower annual insurance costs.

Shown below are a few of the "ingredients" car insurance companies consider when setting premiums.

Lower deductibles cost more - The deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are colliding with a building, damage from fire, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the lower your rates will be.
More than one policy can earn a discount - Some insurance companies will award you with lower prices to policyholders who have multiple policies with them. It's known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, you may still want to compare rates to ensure the best deal.
Do you have enough liability coverage? - Your policy's liability coverage is the coverage that protects you if you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Do you need those extra coverages? - There are quite a few additional coverages that you can get tricked into buying on your policy. Coverages like vanishing deductibles, accidental death and term life insurance are some examples. These coverages may sound good at first, but if they're wasting money get rid of them and save.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone's needs are different.

For example, these questions might point out whether your personal situation would benefit from an agent's advice.

Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in Virginia?
Does my personal policy cover me when driving my company car?
Do I really need UM/UIM coverage?

If you can't answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Save $429 a year? Really?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies have a common claim that you can save if you change to their company. How do they all make the same claim?

Insurance companies have a certain "appetite" for the driver that is profitable for them. For example, a profitable customer could be between 25 and 40, owns a home, and has great credit. A customer that hits that "sweet spot" will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile must pay a more expensive rate and this can result in business going elsewhere. The ads state "people who switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the savings. This illustrates why drivers must get as many comparisons as possible. Because you never know which company will fit your personal profile best.

Do the work, save more money

Affordable car insurance can be sourced from both online companies and also from your neighborhood Occoquan agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, you should never reduce coverage to reduce premium. In too many instances, an insured cut physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

We just showed you a lot of ways to compare car insurance prices online. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the most savings is with an unexpected company.

For more Virginia car insurance information

Additional detailed information can be found at the Virginia Bureau of Insurance website. Consumers can report car insurance fraud, read consumer alerts, and find out which companies have the most complaints.